Top Android App Payment Gateway Solutions In 2023

The integration of an app payment gateway is necessary for any business associated with online money transactions. While some payment gateways are compatible with a wide range of mobile apps, others require caution. As the e-commerce industry develops, the owners of online businesses need to consider creating high-quality applications with top-rate service.

Do not look elsewhere, use our detailed guide on selecting the best payment gateway for Android app. Thoroughly compare each provider we describe in this article and choose your preferred solution.

How Does A Payment Gateway For Android App Actually Work

A payment gateway for a mobile app is software that assists users of mobile or web apps in making secure purchases and online transfers of funds, similar to EFTPOS. In substance, a gateway serves as a mediator that approves the transaction, assists with data encryption, and fulfils the order. It also serves as a link between the cardholders and the acquiring bank, and the user's shopping cart.

A payment gateway for Android app works in the following way:

• A client selects a product/service to order and adds it to the shopping cart using an app.

• Once a customer picks a preferred payment method on a checkout page, they are redirected to the payment gateway site to enter their payment details.

• Collected credit/debit card details are securely encrypted and transferred to the acquiring bank for transaction approval/denial.

• Right after the online payment is approved, the payment gateway sends its confirmation to the application.

• The payment settlement is initiated by the payment gateway and funds are transferred to the merchant’s account.

Factors To Take Into Account When Deciding On Android App Payment Gateway Integration

Being a business owner, you can make your payment system more efficient and convenient for your customers. Below, we gathered only the most important factors you have to consider when choosing the option for Android app payment gateway integration.

Coverage Area

Even though the market is full of high-quality payment gateways, the list gets shorter if you take into account specific geographical areas. Make sure that the chosen payment processing company offers its services in the country in which you have registered your business, as well as in regions where you are planning to sell your services/products.

Supported Payment Methods

If you sell your products globally, examine which mobile payment methods are used by your customers the most and pick a payment gateway which supports each of them. A good payment gateway for Android app must process multi-currency transactions with minimum conversion rates and offer a multilingual payment page.

Fees And Costs

Payment gateways have different pricing structures that are based on the types of services they provide. Go over the pricing strategy you intend to use for your app with a provider. Check what transaction fees it charges, whether it requires a setup fee, fixed monthly subscription fee or integration fee and make sure you will not be charged any hidden fees and unexpected expenses. Take into account your business type and transaction volume, as in some cases, monthly fees can be more cost-effective than low per-transaction fees.

Refunds

Chargebacks and refunds are an unfortunate reality for online retailers. There is one significant distinction between the two. With a refund, the merchant returns the money directly to the consumer, while in the case of a chargeback, the customer disputes the transaction with the acquiring bank. Examine how numerous payment gateways for Android apps handle refunds and chargebacks and what fees they charge for this service before deciding on one.

Security And Compliance

Payment gateways work with sensitive data that must remain private. Therefore, it is wise to cooperate only with PCI DSS-certified services. Verify that the payment gateway provider has a license from your local financial regulator. In addition, the availability of an SSL certificate, SET system, tokenisation, 3D Secure protocol will serve as a guarantee that received payment data is sent encrypted and is securely protected from being intercepted.

Extra Features

To integrate a payment gateway in Android app, first, you need to select a provider that offers a Software Development Kit that supports an open API, enabling the mobile app to communicate with its payment gateway. However, do not forget to check the availability of extra features such as recurring billing, real-time reporting tools, third-party integrations, mass payment processing, etc.

Support

As customers can shop using your e-commerce app around the clock, payment issues could arise at any time and necessitate assistance from the support team of your chosen Android app payment gateway. In order to quickly fix any technical issues, you should find out if the provider offers live multilingual support 24/7 or just during business hours. Besides, you need to pay attention to how that support is provided – via live chat, hotline, or email.

Best Android App Payment Gateway Providers To Choose In 2023

Don’t know where to start? Check out our rating of the top payment gateways for Android app integration. Use a detailed comparison table provided below and opt for the most secure and effective option.

Exactly®

Exactly® is a payment processing system which offers quick payouts in seven major currencies. As one of the leading payment gateways in the UK, it provides merchants with a fully integrated payment gateway, recurring and bulk payment processing, global acquiring, etc. A business owner can benefit from API-driven integration and provide a positive checkout experience due to UI customisation. The service offers highly-compatible SDKs that can be adapted to any online store structure.

Pros:

• Android SDK

• Effective resolution of disputes and chargebacks

• Free 24/7 technical support

• Customised checkout pages

• 150+ supported currencies

• PCI compliance

Cons:

• Free account trial is not available

PaySafe

PaySafe offers all the payment solutions that your e-commerce business may require, including mobile payments, recurring billing, custom invoicing, and even in-person transactions. Paysafe's extensive library of SDKs, APIs, and Developer Center make Android app payment gatewayintegration quick and simple. Business owners may increase their revenues with stable rates of recurring payments and tools that allow them to monitor primary customer metrics.

Pros:

• Android SDK: API wrapper

• Multi-lingual checkout pages

• Available in more than 40 countries worldwide

• Flexible pricing

Cons:

• Customer support is provided only in English

• No free trial

2Checkout

2Checkout is one of the leading payment processing companies that offers a flexible and adaptable payment gateway for Android app. By integrating such a gateway, merchants can sell their products in more than 200 countries and ensure a positive, localised checkout experience. In addition, 2Checkout offers strong API for online payments and commerce, along with 120+ carts that can be easily integrated. The payment gateway provider enables merchants to accept payments in 26 currencies and 8 payment methods.

Pros:

Android SDK: only API

• Low chargeback fees

• 15 supported languages

• Intuitive Dashboard

Cons:

• No live chat support

SecurePay

SecurePay is a reputable Australian provider of a payment gateway for Android app, which is well-known among small business owners. The payment processing service offers tailored pricing so that merchants may select the most convenient model based on the scale of their business and transaction volume. Moreover, SecurePay allows its clients to generate monthly sales regular reports and check the transaction history. Its well-optimised gateway easily integrates with Android apps as well as a variety of third-party platforms.

Pros:

• Android SDK

• Free test of a live account

• 3D Secure 2 solution

• Compliance with SCA requirements

Cons:

• Client support is provided only via email

Amazon Pay

Amazon Pay charges payments for each transaction and does not feature fixed monthly fees and termination fees. The gateway offers automatic payment decline processing, recurring payments, global acquiring, etc. Amazon Pay ensures clear API-based payment gateway integration due to detailed documentation. Moreover, customers registered on Amazon can pay for your products/services using their existing accounts.

Pros:

• Android SDK: only Java SDK

• PCI compliance

• WooCommerce integration plugin

Cons:

• Strict payment verification

Stripe

As one of the leading payment gateways for Android apps, Stripe offers pre-installed features such as international payment processing, subscription management, recurring billing, Virtual terminal, reporting tools, etc. Stripe provides a unique Atlas solution for online startups and The Connect platform that helps businesses process financial operations when they cooperate with third-party platforms. Stripe Radar helps prevent fraudulent activities and protect sensitive clients’ data from being stolen. Stripe ensures a quick setup process and has a user-friendly interface.

Pros:

• No fixed monthly fees

• Android SDK

• Transparent pricing

• Wide choice of integration solutions

Cons:

• Not stable customer support

EWAY

EWAY is known as one of the best payment processing companies on the UK market that offers an Android app payment gateway. EWAY supports more than 250 software and shopping cart integrations. Additionally, it processes payments made with all major credit/debit cards and e-wallets. EWAY offers advanced tools for chargeback and dispute resolution for a reasonable fee. It also presents the Beagle Lite – a great fraud prevention system which protects users’ financial data and funds. 

Pros:

• Android SDK: API wrapper

• Recurring billing

• Processing of ACH payments

• PCI compliance

Cons:

• Not available for US users

• No free trial

Authorize.net

Authorize.net is a provider of a payment gateway for Android app owned by Visa. The service offers extensive reporting features and integration options. It supports multiple online payment methods and processes payments in 13 currencies. Authorize.net offers All-In-One Plan, which includes a transaction fee and monthly contributions as well as a fee for using just a payment gateway. Authorize.net supports iOS and Android client SDK platforms and provides an open API.

Pros:

• Android SDK: API wrapper

• Simple checkout process

• Low transaction fees

• Recurring payments

Cons:

• Complicated setup

• Fixed monthly fees

Braintree

Braintree is a PCI DSS-certified Android app payment gateway, which is suitable for small and medium businesses. The payment system provides multiple integration options (including third-party integrations), virtual terminals, reporting features, and anti-fraud detection. Braintree carries out personalised merchant accounts for buyers.

Pros:

• Android SDK: API wrapper

• Customised UI

• Availability in 40 countries

• Vast selection of payment methods

Cons:

• Slow customer support

WePay

WePay is an ideal option for different types of businesses, boasting a user-friendly interface and intuitive navigation. It can be easily integrated into an existing online store or be used to create a new selling platform. Accepted payment options include credit/debit cards, ACH payments and digital wallets. Additionally, it enables sellers to charge registration fees and sell tickets for events. Furthermore, WePay comes with no fixed monthly and setup fees or any hidden charges.

Pros:

• Android SDK: API wrapper

• OpenAPI

• Daily/weekly/monthly payouts

Cons:

• High fees

• Generated reports can be accessed only via email

How To Integrate Payment Gateway In Android Application

Integrating a payment gateway in Android app is necessary if you are offering products or services through your Android application. Below, we discuss how to implement payment gateway integration in Android.

Begin Work

To integrate a payment gateway in Android app, you need to establish a merchant account and sign up with a payment gateway provider. To generate the necessary API credentials, you have to create a test account first to ensure that you don't process any real payments during development and testing. Afterwards, configure the payment gateway, including specifying the payment types you want to accept (e.g. credit and debit cards) and setting up any other options (e.g. recurring billing or fraud prevention tools).

Present Drop-in UI

You are now ready to begin coding. The payment gateway will provide you with the code snippets and documentation you need to start. Drop-in UI ensures the simplest way to acquire customer payment information, transfer it to the payment gateway and receive confirmations back. Additionally, you can opt to customise the UI and tokenise the payment data directly. After implementing the code, the bottom layout will appear, enabling the user to input or select payment information.

Add Client Tokens

This stage is optional. A client token is needed to initiate the Drop-in UI. Each time the app is launched, a new client token must be generated on the server and passed to the app. Tokenisation is necessary for the successful initialisation of the SDK.

Test

Testing your app is essential. To do so, you can use the Sandbox API credentials. The developers of the Android app can easily obtain them using public and private keys. Testing of the Android app payment gateway integration must be completed, as you have to ensure everything runs smoothly with payment processing.

Process The Transactions

Once a user provides payment information, you should receive a payment method nonce and send it to your server. At this stage, your client-side checkout flow should be operational. Afterwards, your server should use the payment method nonce to create a transaction and thus complete the loop.

Once testing is complete and it is confirmed that the app's payment gateway integration is functioning as intended, the launch can proceed.

Choose Exactly® As a Solution For Your Business Growth

Exactly® is an all-in-one solution which provides merchants with a payment gateway for Android app. We provide a suite of tools to facilitate the development, testing, and launch of your application with ease. At Exactly®, we offer tailored pricing plans to suit the individual needs of each of our online business clients. As a result, we do not apply the one-size-fits-all approach. 

We make integrating between CMS and carts simple and easy. Our experienced agents are on hand to discuss individual pricing options for your online business. Take advantage of our integration services and streamline your operations today.

Final Thoughts

Integrating a payment gateway in your Android app is a great way to improve your business. It will simplify and expedite online transactions for your customers while making it safer and faster for you. To help you select the most suitable option, we've conducted an analysis of the main features of the best payment gateways for Android apps. 

There are numerous payment gateways available, each with its own set of advantages and disadvantages. In order to determine which solution is best suited for your business, consider the unique needs of your business, use the criteria we described below and make your choice.

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